{"uin":"IRDAN134RP0001V03201920","name":"Stand-Alone Motor Own Damage Policy - Private Car","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-insurance"},"line":"general","category":"motor-car","category_name":"Car insurance","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2019-07-30","withdrawn_on":null,"summary":"This is a stand-alone own-damage private car policy covering loss or damage to the insured vehicle from listed perils such as fire, theft, riot, earthquake, flood, accidental external means, malicious act, terrorist activity, transit and landslide. It also includes personal accident cover for owner-driver if opted up to Rs. 15 lakhs and offers multiple optional add-ons.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:03:33.159072+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list optional add-ons and add-on plans, but do not state named base-policy plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the period of insurance or policy period, but the actual policy term is not printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimate the insurer within 15 days for own-damage partial or complete loss, and within 24 hrs for theft and fire claims. The insurer may condone delay on merit if the delay was beyond the insured's control and reasons with proof are provided in writing.","display":"Within 15 days for OD loss; within 24 hrs for theft and fire claims","note":null,"quote":"The insured should intimate The Company within 15 days in case of OD (partial loss and complete loss) and within 24 hrs in case of theft and fire claims of the happening of loss or damage. The Company may, in its sole discretion, condone the delay in notification of claim on merit where the delay is proved to be beyond Insured’s control, and the insured provides the Company with the reasons for delay in writing along with reasonable proof.","sources":[{"clause":"Section VII","heading":"CLAIM PROCEDURE","page":39,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-section-vii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form","Vehicle Registration Certificate (RC Book)","Driving Licence of Driver at the time of Loss","Estimate","Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card","Identity Proof- Adhar Card / Pan Card","CKYC form","Discharge cum Satisfaction Voucher","Payment Receipt (If non cashless case)","Neft Mandate Form / Cancel CTS Chq / Passbook","Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act","Punchanama (in case of Partial Theft or TP injury)","Postmortem Report (In case of driver death)","MLC report (In case of Driver / passenger Injury/Driver death)","Repair Bill (After completion of repair work)"],"display":"Claim form, RC, driving licence, estimate, address and identity proof, CKYC, discharge voucher, payment proof for non-cashless, NEFT mandate, FIR/Punchanama where applicable, postmortem/MLC where applicable, and repair bill","note":"Additional documents are required for total loss/constructive total loss, hypothecation and some claim-specific cases.","quote":"➢ Claim Form ➢ Vehicle Registration Certificate (RC Book), ➢ Driving Licence of Driver at the time of Loss ➢ Estimate ➢ Address Proof- Electric Bill / Voter Card/ Passport / Adhar Card ➢ Identity Proof- Adhar Card / Pan Card ➢ CKYC form ➢ Discharge cum Satisfaction Voucher ➢ Payment Receipt (If non cashless case) ➢ Neft Mandate Form / Cancel CTS Chq / Passbook ➢ Police FIR copy (in case of Full theft or TP injury) and also in case of any malicious act ➢ Punchanama (in case of Partial Theft or TP injury) ➢ Postmortem Report (In case of driver death) ➢ MLC report (In case of Driver / passenger Injury/Driver death) ➢ Repair Bill (After completion of repair work)","sources":[{"clause":null,"heading":"List of Documents","page":41,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-list-of-documents"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For loss of or damage to the vehicle, surveyor appointment is within 24hrs from claim intimation, survey completion within 24hrs of appointment, surveyor report within 15 days from date of survey, settlement or claim decision within 7 days from receipt of surveyor report, and non-cashless claim payment within 15 days of receipt of the last relevant and necessary document.","display":"Surveyor within 24hrs; survey report within 15 days; decision within 7 days of survey report; non-cashless payment within 15 days of last necessary document","note":null,"quote":"Turn-around time (TAT) for claim settlement:\n• Loss of or damage to the vehicle insured Surveyor appointment- within 24hrs from Claim Intimation Survey Completion- within 24hrs of Surveyor appointment Surveyor report submission- within 15 days from Date of Survey Settlement / Claim decision- within 7 days from date of receipt of surveyor report Claim Payment to Insured in case of Non-Cashless – Claims shall be settled within 15 days of receipt of the last relevant and necessary document.","sources":[{"clause":null,"heading":"List of Documents - Personal Accident Cover For Owner-Driver","page":43,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-list-of-documents-personal-accident-cover-for-ow"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle is damaged at the same time","Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","ionising radiations or contamination by radioactivity","nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","while vehicle not being registered permanently","Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance"],"display":"Wear and tear/mechanical breakdown, tyres unless vehicle is damaged, accessories theft unless vehicle is stolen, drunk driving, outside geographical area, contractual liability, use/driver outside policy terms, radiation/nuclear, war, no permanent registration, and minor scratches/routine wear","note":null,"quote":"1. The Company shall not be liable to make any payment in respect of:-\na) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.\nb) damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.\nc) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and\nd) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1 | Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;\n2 | Any claim arising out of any contractual liability\n3 | any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is a. being used otherwise than in accordance with the ‘Limitations as to Use’ or b. being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause ... 5 | Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material\n6 | Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations ... 7 | Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered (until permanent valid registration number is issued to the Vehicle)\n8 | Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered.","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-5"},{"clause":"Section IV","heading":"GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS OF POLICY) The Company shall not be liable under this policy in respect of","page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-section-iv"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First write to Customer Service at Universal Sompo General Insurance Co. Ltd., Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708, email grievance@universalsompo.com, or visit a branch and meet the GRO. If not satisfied or no response is received, write or email the Grievance Redressal Officer at the same address, Email ID GRO@universalsompo.com.","display":"First Customer Service / branch GRO; then Grievance Redressal Officer at GRO@universalsompo.com","note":null,"quote":"Write to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com\nFor More details, visit – www.universalsompo.com Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to: ... Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":null,"heading":"Resolving Issue","page":44,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-resolving-issue"},{"clause":null,"heading":"Grievance Redressal Officer","page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-grievance-redressal-officer"},{"clause":null,"heading":"Customer Service","page":45,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-customer-service"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fire explosion self ignition or lightning","burglary housebreaking or theft","riot and strike","earthquake (fire and shock damage)","flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","accidental external means","malicious act","terrorist activity","whilst in transit by road rail inland-waterway lift elevator or air","landslide rockslide"],"display":"Fire/explosion/self ignition/lightning, burglary/housebreaking/theft, riot and strike, earthquake, flood and storm perils, accidental external means, malicious act, terrorist activity, transit, landslide/rockslide","note":null,"quote":"i) by fire explosion self ignition or lightning ;\nii) by burglary housebreaking or theft ;\niii) by riot and strike;\niv) by earthquake (fire and shock damage);\nv) by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost;\nvi) by accidental external means;\nvii) by malicious act;\nviii) by terrorist activity;\nix) whilst in transit by road rail inland-waterway lift elevator or air;\nx) by landslide rockslide.","sources":[{"clause":"Section I","heading":"LOSS OF OR DAMAGE TO THE VEHICLE INSURED","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-section-i"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured can cancel the policy at any time by informing the company without giving reasons. If there are no claims, the company refunds proportional premium for the unexpired policy period; for total loss/total theft/cash loss or double insurance, separate rules apply and there is no refund for the lapsed period before the cancellation effective date.","display":"Proportional premium refund for unexpired policy period if no claim has been made","note":"Double-insurance cancellation has separate refund rules and minimum premium retention.","quote":"The insured can cancel the policy at any time during the term, by informing the Company. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. In such case of cancelation, the Company will refund proportional premium for unexpired policy period, if there is no claim(s) made during the policy period. ... In the event of lodgment and settlement of a total loss claim of any nature including theft and constructive total loss/ cash loss, the company will refund the Own damage premium in full (where the risk has not yet incepted). There would no refund for the premium related to lapsed period before the Cancellation effective date).","sources":[{"clause":"Section VI","heading":"CONDITIONS","page":37,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-section-vi"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The base wording excludes losses outside the geographical area and has an endorsement for extension to listed countries, but the base geographical area itself is not printed.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Stand-Alone Motor Own Damage Policy - Private Car"],"display":"Stand-alone own damage","note":null,"quote":"Stand-Alone Motor Own Damage Policy - Private Car","sources":[{"clause":"Row 1","heading":"Name of Insurance Product","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17582#c-row-1"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The documents describe the policy structure as own-damage cover and personal accident cover for owner-driver if opted; they do not state a base third-party liability cover or third-party liability limit.","display":"Not stated as a base cover; structure shown as Own Damage and PA if opted","note":"This is a stand-alone own-damage policy; third-party cover may need to be separate, but the documents here do not print a third-party liability section for the base product.","quote":"Indemnity Basis: Section - Own Damage Benefit Basis: Section - Personal Accident Cover for Owner-driver (if opted) ... • Damage of the Insured Vehicle • Personal Accident Cover for Owner- Driver of the Insured Vehicle (if opted)","sources":[{"clause":"Row 3","heading":"Structure","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17582#c-row-3"},{"clause":"Row 4","heading":"Interests Insured","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17582#c-row-4"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured’s Declared Value (IDV) is the sum insured for the policy, fixed at the commencement of each policy period. It is based on the manufacturer's listed selling price of the brand and model at commencement of insurance or renewal, adjusted for depreciation; for vehicles beyond 5 years and obsolete models, IDV is determined by agreement, and CTL applies if retrieval/repair exceeds 75% of IDV.","display":"IDV is the sum insured, based on manufacturer’s listed selling price adjusted for depreciation; beyond 5 years by agreement; CTL if cost exceeds 75% of IDV","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation (as per schedule below). ... IDV of vehicles beyond 5 years of age and of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. ... The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and / or repair of the vehicle, subject to terms and conditions of the policy, exceeds 75% of the IDV of the vehicle.","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"quote-verified","value":"For replaced parts, depreciation is 50% for rubber/nylon/plastic parts, tyres and tubes, batteries and air bags; 30% for fibre glass components; nil for glass; and for other parts, nil to 50% depending on vehicle age. For painting, 50% applies only on material cost, with material treated as 25% of a consolidated painting bill.","display":"50% rubber/nylon/plastic, tyres/tubes, batteries and air bags; 30% fibre glass; nil glass; other parts nil to 50% by age; painting 50% on material cost","note":"Depreciation waiver is an add-on for additional premium and applies based on the selected plan.","quote":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and air bags - 50% ... For fibre glass components - 30% ... For all parts made of glass - Nil ... AGE OF VEHICLE | % OF DEPRECIATION\nNot exceeding 6months | Nil\nExceeding 6months but not exceeding 1 year | 5%\nExceeding 1 year but not exceeding 2 years | 10%\nExceeding 2 years but not exceeding 3 years | 15%\nExceeding 3 years but not exceeding 4 years | 25%\nExceeding 4 years but not exceeding 5 years | 35%\nExceeding 5 years but not exceeding 10 years | 40%\nExceeding 10 years | 50% ... Rate of Depreciation for Painting: In the case of painting, the depreciation rate of 50% shall be applied only on the material cost of total painting charges. In case of a consolidated bill for painting charges, the material component shall be considered as 25% of total painting charges for the purpose of applying the depreciation. ... in the event of partial loss, the depreciation applicable under section I (own damage) of this policy would stand deleted, based on the plan selected.","sources":[{"clause":"1","heading":"For all rubber/nylon/plastic parts, tyres and tubes, batteries, and air bags - 50%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-1"},{"clause":"2","heading":"For fibre glass components - 30%","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-2"},{"clause":"3","heading":"For all parts made of glass - Nil","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-4"},{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-5"},{"clause":"1","heading":"Depreciation waiver: UIN: IRDAN134RP0001V03201920/A0012V04201920","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-1-2"}],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"not-stated","value":null,"display":null,"note":"The wording says the deductible is stated in the schedule and the compulsory deductible endorsement has blanks for the amount, so the fixed rupee amount is not printed.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"A voluntary deductible can be opted for private cars, but the actual rupee amount is not printed in the wording and is to be inserted for the option chosen.","display":"Optional voluntary deductible; amount not printed in the wording","note":"The endorsement contains blanks/placeholders for the selected voluntary deductible and aggregate deductible.","quote":"It is by declared and agreed that the insured having opted a voluntary deductible of Rs. ............* a reduction in premium of Rs. .......** under Section 1 of the policy is hereby allowed.\nIn consideration of the above, it is hereby understood and agreed that the insured shall bear under Section 1 of the policy in respect of each and every event (including event giving rise to a total loss/constructive total loss ) the first Rs.........***","sources":[{"clause":null,"heading":"IMT 22A. VOLUNTARY DEDUCTIBLE","page":55,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-imt-22a-voluntary-deductible"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"Personal accident cover for the owner-driver pays compensation for death, loss of limbs/sight and permanent total disablement caused by violent accidental external and visible means in direct connection with the insured vehicle. Total liability shall not exceed Rs. 15 lakhs during any one period of insurance, and the cover requires the owner-driver to be the registered owner, named insured and holder of an effective driving licence.","display":"Owner-driver PA up to Rs. 15 lakhs if opted, with 100% for death and specified total disablement and 50% for loss of one limb or one eye","note":"CIS states PA cover applies if opted and shown in the policy schedule.","quote":"Nature of Injury | Scale of Compensation\ni) Death | 100%\nii) Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100%\niii)Loss of one limb or sight of one eye | 50%\niv)Permanent total disablement from injuries other than named above | 100%\nProvided always that:\nA. compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of Rs. 15 lakhs during any one period of insurance ... This cover is subject to,\na) The owner-driver is the registered owner of the vehicle insured herein;\nb) The owner-driver is the insured named in this policy.\nc) The owner-driver holds an effective driving license","sources":[{"clause":"Section II","heading":"PERSONAL ACCIDENT COVER FOR OWNER-DRIVER","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-section-ii"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Depreciation waiver","Return to Invoice","Engine Protector","Cost of Consumable","Tyre and Rim Cover","Key Replacement Cover","Loss of Personal Belonging","Roadside Assistance","NCB Protector","Daily Cash Allowance Benefit","Preferred Garage Network","Pay Less to Drive Less","Drive Less to Pay Less","Secure Towing (Higher Towing & Removal Costs)","Additional Expense Coverage Clause","Accidental Hospitalisation Clause for Family","Hospital Daily Cash Cover","Loss of Driving License/Registration Certificate","Insurance at Manufacturing selling price","Hydrostatic Lock","Wrong Fuel Cover","Emergency Assistance Service","No Fault Protection","Additional Personal Accident Cover","Preferred Services","Pet Cover","Battery Protect Cover","Vehicle Cyber Protection","Power Cable and Charger Cover","Battery Charging Support Cover","EMI Protection","Electric Motor Protect Cover","Accidental Hospitalisation for Occupants","Multi-damage","Eco Depreciation Waiver","Pay How you Drive","Legal Assistance"],"display":"Depreciation waiver, return to invoice, engine protector, consumables, tyre and rim, key replacement, loss of personal belongings, roadside assistance, NCB protector, daily cash, preferred garage, usage-based covers, towing, hospital/PA covers, EV/battery/cyber covers, EMI protection, pet cover and legal assistance","note":"Add-ons apply only if opted and shown in the policy schedule.","quote":"1 Depreciation waiver: UIN: IRDAN134RP0001V03201920/A0012V04201920 ... 2 Return to Invoice: UIN: IRDAN134RP0001V03201920/A0008V04201920 ... 3 Engine Protector: UIN: IRDAN134RP0001V03201920/A0004V03201920 ... 4 Cost of Consumable: UIN: IRDAN134RP0001V03201920/A0014V04201920 ... 5 Tyre and Rim Cover: UIN: IRDAN134RP0001V03201920/A0005V02202021 ... 6 Key Replacement Cover: UIN: IRDAN134RP0001V03201920/A0009V03201920 ... 7 Loss of Personal Belonging: UIN: IRDAN134RP0001V03201920/A0003V03201920 ... Roadside Assistance: UIN: IRDAN134RP0001V03201920/A0017V03201920 ... 9 NCB Protector: UIN: IRDAN134RP0001V03201920/A0018V03201920 ... 10 Daily Cash Allowance Benefit: UIN: IRDAN134RP0001V03201920/A0013V03201920 ... 11 Preferred Garage Network: UIN: IRDAN134RP0001V03201920/A0083V02202324 ... Pay Less to Drive Less: UIN: IRDAN134RP0001V03201920/A0081V02202324 ... 13 Drive Less to Pay Less: UIN: IRDAN134RP0001V03201920/A0082V02202324 ... 14 Secure Towing (Higher Towing & Removal Costs): UIN IRDAN134RP0001V03201920/A0015V03201920 ... 15 Additional Expense Coverage Clause: UIN: IRDAN134RP0001V03201920/A0005V02201920 ... 16 Accidental Hospitalisation Clause for Family: UIN IRDAN134RP0001V03201920/A0006V02201920 ... 17 Hospital Daily Cash Cover: UIN: IRDAN134RP0001V03201920/A0007V02201920 ... 18 Loss of Driving License/Registration Certificate ... 19 Insurance at Manufacturing selling price: UIN: IRDAN134RP0001V03201920/A0011V02201920 ... 20 Hydrostatic Lock: UIN: IRDAN134RP0001V03201920/A0016V02201920 ... 21 Wrong Fuel Cover: UIN: IRDAN134RP0001V03201920/A0006V02202021 ... 22 Emergency Assistance Service: UIN: IRDAN134RP0001V03201920/A0084V02202324 ... 23 No Fault Protection: UIN: IRDAN134RP0001V03201920/A0085V02202324 ... 24 Additional Personal Accident Cover: UIN: IRDAN134RP0001V03201920/A0086V02202324 ... 25 Preferred Services: UIN: IRDAN134RP0001V03201920/A0087V02202324 ... 26 Pet Cover : IRDAN134RP0001V03201920/A0088V02202324 ... 27 Battery Protect Cover: UIN: IRDAN134RP0001V03201920/A0089V02202324 ... 28 Vehicle Cyber Protection: UIN: IRDAN134RP0001V03201920/A0090V02202324 ... 29 Power Cable and Charger Cover: UIN: IRDAN134RP0001V03201920/A0091V02202324 ... 30 Battery Charging Support Cover: UIN: IRDAN134RP0001V03201920/A0092V02202324 ... 31 EMI Protection: UIN: IRDAN134RP0001V03201920/A0093V03202324 ... 32 Electric Motor Protect Cover: UIN: IRDAN134RP0001V03201920/A0010V02202526 ... 33 Accidental Hospitalisation for Occupants: UIN: IRDAN134RP0001V03201920/A0009V02202526 ... 34 Multi-damage: UIN: IRDAN134RP0001V03201920/A0008V02202526 ... 35 Eco Depreciation Waiver : UIN: IRDAN134RP0001V03201920/A0058V02202526 ... 36 Pay How you Drive : UIN: IRDAN134RP0001V03201920/A0059V02202526 ... 37 Legal Assistance UIN: IRDAN134RP0001V03201920/A0073V01202526","sources":[{"clause":"1","heading":"Depreciation waiver: UIN: IRDAN134RP0001V03201920/A0012V04201920","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-1-2"},{"clause":"2","heading":"Return to Invoice: UIN: IRDAN134RP0001V03201920/A0008V04201920","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-2-2"},{"clause":"3","heading":"Engine Protector: UIN: IRDAN134RP0001V03201920/A0004V03201920","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-3-2"},{"clause":"4","heading":"Cost of Consumable: UIN: IRDAN134RP0001V03201920/A0014V04201920","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-4-2"},{"clause":"5","heading":"Tyre and Rim Cover: UIN: IRDAN134RP0001V03201920/A0005V02202021","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-5-2"},{"clause":"6","heading":"Key Replacement Cover: UIN: IRDAN134RP0001V03201920/A0009V03201920","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-6"},{"clause":"7","heading":"Loss of Personal Belonging: UIN: IRDAN134RP0001V03201920/A0003V03201920","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-7"},{"clause":"8","heading":"Roadside Assistance","page":8,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-8"},{"clause":"9","heading":"NCB Protector: UIN: IRDAN134RP0001V03201920/A0018V03201920","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-9"},{"clause":"10","heading":"Daily Cash Allowance Benefit: UIN: IRDAN134RP0001V03201920/A0013V03201920","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-10"},{"clause":"11","heading":"Preferred Garage Network: UIN: IRDAN134RP0001V03201920/A0083V02202324","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-11"},{"clause":"12","heading":"Pay Less to Drive Less: UIN: IRDAN134RP0001V03201920/A0081V02202324","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-12"},{"clause":"13","heading":"Drive Less to Pay Less: UIN: IRDAN134RP0001V03201920/A0082V02202324","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-13"},{"clause":"14","heading":"Secure Towing (Higher Towing & Removal Costs): UIN IRDAN134RP0001V03201920/A0015V03201920","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-14"},{"clause":"15","heading":"Additional Expense Coverage Clause: UIN: IRDAN134RP0001V03201920/A0005V02201920","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-15"},{"clause":"16","heading":"Accidental Hospitalisation Clause for Family: UIN IRDAN134RP0001V03201920/A0006V02201920","page":15,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-16"},{"clause":"17","heading":"Hospital Daily Cash Cover: UIN: IRDAN134RP0001V03201920/A0007V02201920","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-17"},{"clause":"18","heading":"Loss of Driving License/Registration Certificate","page":16,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-18"},{"clause":"19","heading":"Insurance at Manufacturing selling price: UIN: IRDAN134RP0001V03201920/A0011V02201920","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-19"},{"clause":"20","heading":"Hydrostatic Lock: UIN: IRDAN134RP0001V03201920/A0016V02201920","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-20"},{"clause":"21","heading":"Wrong Fuel Cover: UIN: IRDAN134RP0001V03201920/A0006V02202021","page":17,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-21"},{"clause":"22","heading":"Emergency Assistance Service: UIN: IRDAN134RP0001V03201920/A0084V02202324","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-22"},{"clause":"23","heading":"No Fault Protection: UIN: IRDAN134RP0001V03201920/A0085V02202324","page":18,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-23"},{"clause":"24","heading":"Additional Personal Accident Cover: UIN: IRDAN134RP0001V03201920/A0086V02202324","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-24"},{"clause":"25","heading":"Preferred Services: UIN: IRDAN134RP0001V03201920/A0087V02202324","page":20,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-25"},{"clause":"26","heading":"Pet Cover : IRDAN134RP0001V03201920/A0088V02202324","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-26"},{"clause":"27","heading":"Battery Protect Cover: UIN: IRDAN134RP0001V03201920/A0089V02202324","page":24,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-27"},{"clause":"28","heading":"Vehicle Cyber Protection: UIN: IRDAN134RP0001V03201920/A0090V02202324","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-28"},{"clause":"29","heading":"Power Cable and Charger Cover: UIN: IRDAN134RP0001V03201920/A0091V02202324","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-29"},{"clause":"30","heading":"Battery Charging Support Cover: UIN: IRDAN134RP0001V03201920/A0092V02202324","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-30"},{"clause":"31","heading":"EMI Protection: UIN: IRDAN134RP0001V03201920/A0093V03202324","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-31"},{"clause":"32","heading":"Electric Motor Protect Cover: UIN: IRDAN134RP0001V03201920/A0010V02202526","page":30,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-32"},{"clause":"33","heading":"Accidental Hospitalisation for Occupants: UIN: IRDAN134RP0001V03201920/A0009V02202526","page":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-33"},{"clause":"34","heading":"Multi-damage: UIN: IRDAN134RP0001V03201920/A0008V02202526","page":32,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-34"},{"clause":"35","heading":"Eco Depreciation Waiver : UIN: IRDAN134RP0001V03201920/A0058V02202526","page":33,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-35"},{"clause":"36","heading":"Pay How you Drive : UIN: IRDAN134RP0001V03201920/A0059V02202526","page":34,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-36"},{"clause":"37","heading":"Legal Assistance UIN: IRDAN134RP0001V03201920/A0073V01202526","page":34,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-37"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair claims are available through network garages: after submission of the repair invoice, a delivery order is shared with the workshop and the insurance claim amount is paid directly to the network garage.","display":"Yes, cashless claims at network garages","note":null,"quote":"Upon submission of repair invoice to Insurance Company in case of cashless claims, delivery order is shared with workshop, post which Insured can take delivery of vehicle. The insurance claim amount will be paid directly to the network garage.\n• In case of reimbursement claims, Insured will have to submit repair invoice in original and any other documents are pending. The Claim amount will be reimbursed to insured.","sources":[{"clause":null,"heading":"Section- Personal Accident Cover For Owner-Driver (if","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17582#c-section-personal-accident-cover-for-owner-driver"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages","damage to tyres and tubes unless the vehicle is damaged at the same time","Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time","under the influence of intoxicating liquor or drugs","outside the geographical area","being used otherwise than in accordance with the ‘Limitations as to Use’","being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause","vehicle not being registered permanently","minor scratches to the vehicle, paint fading, wear and tear arising out of normal use","driving with worn out brakes or tyres leaving the keys inside the vehicle or in a place which is not protected","The driver at the time of accident holds a valid & effective driving license"],"display":"No wear and tear/mechanical breakdown, tyres unless vehicle also damaged, accessories theft unless vehicle stolen, drunk driving, outside geographical area, improper use or driver, no permanent registration, minor scratches/routine wear, gross negligence and no valid licence","note":"The valid-licence item is stated as an admissibility condition in the CIS.","quote":"a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.\nb) damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.\nc) Loss or damage to accessories by burglary, housebreaking or theft unless the vehicle is stolen at the same time, and\nd) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... 1 | Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... 3 | any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is a. being used otherwise than in accordance with the ‘Limitations as to Use’ or b. being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause ... 7 | Any accidental loss, damage and/or liability caused, sustained or incurred, while vehicle not being registered permanently will not be covered (until permanent valid registration number is issued to the Vehicle)\n8 | Any minor scratches to the vehicle, paint fading, wear and tear arising out of normal use and requiring touch-up or minor repair under routine maintenance will not be covered. ... Not engaging handbrake in a four wheeler or vehicle equipped with handbrakes driving through inundated streets, not maintaining the vehicle properly and driving with worn out brakes or tyres leaving the keys inside the vehicle or in a place which is not protected ... The driver at the time of accident holds a valid & effective driving license.","sources":[{"clause":"5","heading":"Rate of Depreciation for Painting","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-5"},{"clause":"Section IV","heading":"GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS OF POLICY) The Company shall not be liable under this policy in respect of","page":36,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-section-iv"},{"clause":null,"heading":"Admissibility of Claims - Loss Of Or Damage To The Vehicle Insured","page":40,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-admissibility-of-claims-loss-of-or-damage-to-the"},{"clause":"37","heading":"Legal Assistance: “At the option of the Insured, the","page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17582#c-37"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured’s Declared Value (IDV), treated as market value throughout the policy period for total loss or constructive total loss claims. IDV is based on manufacturer’s listed selling price adjusted for age-wise depreciation, with vehicles beyond 5 years and obsolete models determined by agreement between insurer and insured.","display":"IDV, treated as market value for TL/CTL","note":null,"quote":"The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘SUM INSURED’ for the purpose of this policy ... The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation ... IDV shall be treated as the ‘Market Value’ throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL) claims.","sources":[{"clause":null,"heading":"Sum Insured, Insured’s Declared Value (IDV)","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-sum-insured-insureds-declared-value-idv"},{"clause":null,"heading":"The Schedule of Depreciation for Fixing IDV of the Vehicle","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585#c-the-schedule-of-depreciation-for-fixing-idv-of-t"}],"law":[]}],"documents":[{"kind":"wording","label":"Stand-Alone Motor Own Damage Policy - Private Car - Policy Wordings","pages":60,"fetched_at":"2026-10-17 20:08:22+00","source_url":"https://www.universalsompo.com/assets/file/stand-alone-motor-own-damage-policy-private-car/stand-alone-motor-own-damage-policy-private-car-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17585"},{"kind":"wording","label":"Stand-Alone Motor Own Damage Policy - Private Car (IRDAI copy)","pages":7,"fetched_at":"2026-10-20 00:42:25+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920_GEN3819.pdf/4ba5ddff-bb4d-2507-c63e-8c22058ce44f?version=1.1&t=1668322302330&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/24363"},{"kind":"wording","label":"Engine Protector for Stand-alone OD (Private Car) (IRDAI copy)","pages":2,"fetched_at":"2026-10-20 01:34:27+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0004V02201920_GEN3929.pdf/7b735a38-2ab2-f22c-9309-9ea34dcb4aa4?version=1.3&t=1668851926061&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26727"},{"kind":"wording","label":"Return to Invoice for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:29+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0008V02201920_GEN3930.pdf/5c805bca-e5be-dd90-2700-5d29eef5537b?version=1.1&t=1668853339795&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26728"},{"kind":"wording","label":"Key Replacement for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:30+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0009V02201920_GEN3931.pdf/99bccda8-7e1a-c083-25cc-bef092a64a8f?version=1.1&t=1668853403501&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26729"},{"kind":"wording","label":"Depreciation Waiver for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:32+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0012V02201920_GEN3932.pdf/d7aea5d2-9e6d-02be-716f-5d677ce6b4ae?version=1.1&t=1668853463126&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26730"},{"kind":"wording","label":"Daily Cash Allowances Benefit for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:33+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0013V02201920_GEN3933.pdf/07c49c83-1e52-b875-19af-e6563a9de002?version=1.1&t=1668853519888&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26731"},{"kind":"wording","label":"Cost of Consumable for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:34+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0014V02201920_GEN3934.pdf/544ec802-065c-603e-e02b-11dfd88b0cf4?version=1.1&t=1668853583145&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26732"},{"kind":"wording","label":"Secure Towing (Higher towing & removal costs) for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:35+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0015V02201920_GEN3935.pdf/ae758af7-0642-c726-eafb-b207b0dbf499?version=1.1&t=1668853633838&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26733"},{"kind":"wording","label":"Road Side Assistance for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:36+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0017V02201920_GEN3936.pdf/49e3015e-34e8-55dc-b1e2-1571a6220ced?version=1.1&t=1668853702238&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26734"},{"kind":"wording","label":"NCB Protector for Stand-alone OD (Private Car) (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:34:37+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0018V02201920_GEN3937.pdf/70947154-d492-8b14-f312-57fffd92b0de?version=1.1&t=1668853766777&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/26735"},{"kind":"wording","label":"Tyre and Rim Cover-Stand-Alone Motor Own Damage Policy - Private Car (IRDAI copy)","pages":3,"fetched_at":"2026-10-20 01:42:18+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0005V01202021_GEN4346.pdf/8513bd57-509a-ead1-70ab-5150c1b058a1?version=1.1&t=1668844810872&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/27049"},{"kind":"wording","label":"Wrong Fuel Cover-Stand-Alone Motor Own Damage Policy (IRDAI copy)","pages":1,"fetched_at":"2026-10-20 01:42:45+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN134RP0001V01201920A0006V01202021_GEN4372.pdf/0f0f8bd1-b038-e5ad-9bec-7aa5e28dd283?version=1.1&t=1668850871307&download=true","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/27075"},{"kind":"prospectus","label":"Stand-Alone Motor Own Damage Policy - Private Car - Prospectus / Brochure","pages":47,"fetched_at":"2026-10-17 20:08:16+00","source_url":"https://www.universalsompo.com/assets/file/stand-alone-motor-own-damage-policy-private-car/stand-alone-motor-own-damage-policy-private-car-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17577"},{"kind":"cis","label":"Stand-Alone Motor Own Damage Policy - Private Car - CIS","pages":12,"fetched_at":"2026-10-17 20:08:26+00","source_url":"https://www.universalsompo.com/assets/file/stand-alone-motor-own-damage-policy-private-car/stand-alone-motor-own-damage-policy-private-car-cis.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17582"},{"kind":"rider","label":"Stand-Alone Motor Own Damage Policy - Private Car - Adds On","pages":58,"fetched_at":"2026-10-17 20:02:44+00","source_url":"https://www.universalsompo.com/assets/file/stand-alone-motor-own-damage-policy-private-car/saod-private-car-addon.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920/document/17429"}],"versions":[{"uin":"IRDAN134RP0001V01201920","version":null,"approved_on":null},{"uin":"IRDAN134RP0001V03201920","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.universalsompo.com/resourse-grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renew now","url":"https://www.universalsompo.com/renew-now/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Stand-Alone Motor Own Damage Policy - Private Car (UIN IRDAN134RP0001V03201920), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/stand-alone-motor-own-damage-policy-private-car-irdan134rp0001v03201920"}